Even with private/seller financing, if you're househacking, the lender will still be subject to the ATR rule and ignoring this will cause problems for everyone.

Sure values have plummeted in some markets but the underlying cause of that is the shorter term financing associated with commercial.  

Again 20-30% is fair.I have an almost 100 year apartment building where I pay some of the utilities. 60% is a fair estimate and it's often more than that.I have a couple of older houses in 'bad areas' where the tenants regularly trash the property causing thousands of dollars in damage and move out in the middle of the night.

Stapled the plastic to the walls using large staples, causing damage.

I've also had major leaks that luckily have just flooded basements and not caused too much damage.  

Very certain we overpaid, but it was a dire situation where the old one broke and had caused water damage and the tenant didn't notice for a month... 

In 64, Main was the last state to allow attorney’s to accept contingency fees, 77 in Bates vs State Bar of AZ the door was opened to attorney advertising, in 83 the ABA changed its ethic rules changing the standard for ‘frivolous’ lawsuits, and from 80-00 the Civil Procedure rules which limited the capacity to bring lawsuits without clear and stated causes were transformed to allow cases that would have been tossed out of court to go forward.

While this isn't common, I have know people that bought their first rental and when tenant moved out, had caused close to $20k in damages and skipped town after one year of living in place.  

They don't provide tax documents on time, which cause significant headaches. they don't provide proof of cost mitigation studies unless you threaten to sue.I am a seasoned investor and I got duped in their flowery talk.

He had listed the property as SFH AND Multifamily on the MLS.My question is would this cause a problem for me if it is zoned as SFH.